Saving Rule💡
Most people don’t run out of money because they earn too little, they run out because they don’t have a plan 📊In Europe, 58% of people don’t track their monthly spending, and 37% save only “what’s left” after expenses. The result? For many, there’s nothing left to save at all 😩
That’s why simple systems work best.
💸 50/30/20 Rule 💸
50% → what keeps you going (rent, food, transport)
30% → what makes life enjoyable (coffee, travel, comfort)
20% → what builds your future (vaults, savings, investments)
That last 20% doesn’t have to sit waiting – it can earn.
With Brighty App, you can:
💶 Save automatically with Earning Vaults (up to 10% APY)
💳 Spend from the same balance: no transfers, no friction
📈 Track where every euro goes, right from your dashboard
Financial confidence isn’t built overnight, it’s built from tiny, consistent choices that compound over time. And the best time to start? Not “someday.”
Today ⚡
Most people don’t run out of money because they earn too little, they run out because they don’t have a plan 📊In Europe, 58% of people don’t track their monthly spending, and 37% save only “what’s left” after expenses. The result? For many, there’s nothing left to save at all 😩
That’s why simple systems work best.
💸 50/30/20 Rule 💸
50% → what keeps you going (rent, food, transport)
30% → what makes life enjoyable (coffee, travel, comfort)
20% → what builds your future (vaults, savings, investments)
That last 20% doesn’t have to sit waiting – it can earn.
With Brighty App, you can:
💶 Save automatically with Earning Vaults (up to 10% APY)
💳 Spend from the same balance: no transfers, no friction
📈 Track where every euro goes, right from your dashboard
Financial confidence isn’t built overnight, it’s built from tiny, consistent choices that compound over time. And the best time to start? Not “someday.”
Today ⚡
The Cost of Convenience
We tap, swipe, and subscribe — often without thinking twice. One more streaming service. Another takeaway. That random monthly fee we forgot existed. It doesn’t feel like much, until it does 😬
Studies show the average European now spends:
💸 €1,200–€1,800 per year on subnoscription services alone (Deloitte, 2024).
📱 Up to €500 in “silent” app or in-game payments.
☕ Around €3,000–€5,000 yearly on small impulse buys: food delivery, coffee, quick checkouts. (ING, Revolut 2024)
That’s nearly one month’s salary, quietly disappearing into what feels like convenience. The problem isn’t that we spend, it’s that we don’t see where. When everything’s automated, contactless, and one-tap, awareness fades.
And what you can’t see, you can’t control. 💡
That’s why we built Brighty with clarity first:
👀 Instant overview: see all your cards, vaults, and balances in one place
💶 Earning Vaults: put savings to work automatically (up to 10% APY)
💳 Real-world utility — spend from the same balance, online or in-store
Convenience isn’t the enemy, blind spending is. When you make money visible, you make it meaningful. Awareness is profit. ⚡
We tap, swipe, and subscribe — often without thinking twice. One more streaming service. Another takeaway. That random monthly fee we forgot existed. It doesn’t feel like much, until it does 😬
Studies show the average European now spends:
💸 €1,200–€1,800 per year on subnoscription services alone (Deloitte, 2024).
📱 Up to €500 in “silent” app or in-game payments.
☕ Around €3,000–€5,000 yearly on small impulse buys: food delivery, coffee, quick checkouts. (ING, Revolut 2024)
That’s nearly one month’s salary, quietly disappearing into what feels like convenience. The problem isn’t that we spend, it’s that we don’t see where. When everything’s automated, contactless, and one-tap, awareness fades.
And what you can’t see, you can’t control. 💡
That’s why we built Brighty with clarity first:
👀 Instant overview: see all your cards, vaults, and balances in one place
💶 Earning Vaults: put savings to work automatically (up to 10% APY)
💳 Real-world utility — spend from the same balance, online or in-store
Convenience isn’t the enemy, blind spending is. When you make money visible, you make it meaningful. Awareness is profit. ⚡
How to Make Your savings grow
Most of us know the 50/30/20 rule: 50% for needs 🏠, 30% for wants ☕, and 20% for savings 💸 But here’s the catch – that last part often just sits there, quietly losing value to inflation 📉
Instead, make it work smarter – In Brighty, that 20% can do more ⚡
💶 Earn daily in Earning Vaults (up to 10% APY) – no lock-ups, no waiting.
🤖 Grow automatically with AI-powered investment portfolios that adapt to the market.
🪙 Stay stable with USDC, EURC, or other safeguarded coins – diversified and always ready to spend.
💳 Keep a small fiat buffer for peace of mind when life happens.
The goal isn’t just to save – it’s to move your money with purpose.
Because every euro that’s not earning… is slowly disappearing.
Start small, stay consistent, and let time do the compounding magic 🌱⚡
Start saving in minutes:
https://brightyapp.go.link/6cSlv
Most of us know the 50/30/20 rule: 50% for needs 🏠, 30% for wants ☕, and 20% for savings 💸 But here’s the catch – that last part often just sits there, quietly losing value to inflation 📉
Instead, make it work smarter – In Brighty, that 20% can do more ⚡
💶 Earn daily in Earning Vaults (up to 10% APY) – no lock-ups, no waiting.
🤖 Grow automatically with AI-powered investment portfolios that adapt to the market.
🪙 Stay stable with USDC, EURC, or other safeguarded coins – diversified and always ready to spend.
💳 Keep a small fiat buffer for peace of mind when life happens.
The goal isn’t just to save – it’s to move your money with purpose.
Because every euro that’s not earning… is slowly disappearing.
Start small, stay consistent, and let time do the compounding magic 🌱⚡
Start saving in minutes:
https://brightyapp.go.link/6cSlv
Adjust
brighty
Onboard in minutes to use crypto with Brighty’s Visa cards, linked to Apple Pay and Google Pay, and earn up to 10% APY on stablecoins.
The Card That Actually Does Something 💳
The Card That Actually Does Something 💳
Most cards just spend – Brighty cards earn, convert, and protect.
🔹 Virtual & Physical options
🔹 Add to Apple Pay / Google Wallet instantly
🔹 Linked directly to your crypto or fiat balance
🔹 Real-time swaps: spend ETH, pay in EUR
🔹 Fully insured and safeguarded funds
And yes — your card even connects to Earning Vaults, meaning your balance grows while it sits there. Finance, but make it functional. 🚀
The Card That Actually Does Something 💳
Most cards just spend – Brighty cards earn, convert, and protect.
🔹 Virtual & Physical options
🔹 Add to Apple Pay / Google Wallet instantly
🔹 Linked directly to your crypto or fiat balance
🔹 Real-time swaps: spend ETH, pay in EUR
🔹 Fully insured and safeguarded funds
And yes — your card even connects to Earning Vaults, meaning your balance grows while it sits there. Finance, but make it functional. 🚀
They taught us math, not money
They taught us trigonometry, not how to manage money 📚 No one explained how to save, invest, or grow what you earn. So most of us learned by trial and errors – juggling bank apps, crypto wallets, and budgeting spreadsheets that never quite add up. At Brighty, app we’re changing that ⚡
💶 Save automatically with Earning Vaults (up to 10% APY)
💳 Spend instantly with virtual or physical cards
🌍 Manage EUR, USD, GBP, crypto and more – all in one app
🔐 Stay protected with full safeguarding
You don’t need another finance lecture – you need tools that make sense.
Brighty makes money simple, safe, and actually useful 💛
They taught us trigonometry, not how to manage money 📚 No one explained how to save, invest, or grow what you earn. So most of us learned by trial and errors – juggling bank apps, crypto wallets, and budgeting spreadsheets that never quite add up. At Brighty, app we’re changing that ⚡
💶 Save automatically with Earning Vaults (up to 10% APY)
💳 Spend instantly with virtual or physical cards
🌍 Manage EUR, USD, GBP, crypto and more – all in one app
🔐 Stay protected with full safeguarding
You don’t need another finance lecture – you need tools that make sense.
Brighty makes money simple, safe, and actually useful 💛
Make Money Organization Effortless 💼✨
Did you know that 68% of Europeans say they struggle to track where their money actually goes each month? 📘 Brighty makes it ridiculously easy to stay on top of your finances — no spreadsheets, no stress.
Here’s a simple setup:
💶 Daily → use your EUR balance for everyday spending.
💡 Bills/Subnoscriptions → link to EURC for predictable payments.
🌍 Travel → keep a separate balance for trips and holidays.
You’ll instantly see what’s being spent, where: right inside the app.
Organised money = clear mind 🧾
Try it today: https://app.adjust.com/qr3gjca
Did you know that 68% of Europeans say they struggle to track where their money actually goes each month? 📘 Brighty makes it ridiculously easy to stay on top of your finances — no spreadsheets, no stress.
Here’s a simple setup:
💶 Daily → use your EUR balance for everyday spending.
💡 Bills/Subnoscriptions → link to EURC for predictable payments.
🌍 Travel → keep a separate balance for trips and holidays.
You’ll instantly see what’s being spent, where: right inside the app.
Organised money = clear mind 🧾
Try it today: https://app.adjust.com/qr3gjca
We’re living in the subnoscription era: streaming, storage, software, gyms, even coffee💡The average European now pays for 7+ active subnoscriptions per month That’s €70–120 a month on services like Spotify, Netflix, Adobe, YouTube Premium, iCloud, and ChatGPT Plus – and that number keeps rising every year.
That’s a lot to track and Brighty makes it effortless.
💳 Link your Brighty card to EUR or EURC — whichever balance you prefer.
🔁 Your subnoscriptions renew automatically as long as you have funds.
📲 See all recurring payments in one place in the app.
It’s finance that fits your digital routine: clear, instant, and flexible.
Your Brighty card keeps every subnoscription running smoothly, so you can focus on the fun stuff (like actually watching that series you keep paying for) 🌱
Start managing smarter: https://app.adjust.com/qr3gjca 📲
That’s a lot to track and Brighty makes it effortless.
💳 Link your Brighty card to EUR or EURC — whichever balance you prefer.
🔁 Your subnoscriptions renew automatically as long as you have funds.
📲 See all recurring payments in one place in the app.
It’s finance that fits your digital routine: clear, instant, and flexible.
Your Brighty card keeps every subnoscription running smoothly, so you can focus on the fun stuff (like actually watching that series you keep paying for) 🌱
Start managing smarter: https://app.adjust.com/qr3gjca 📲
Your First Week With Brighty (Mini-Guide) 📘
Starting fresh with Brighty? Here’s your easy 7-day setup plan — no manual needed:
📅 Day 1: Verify and add your Brighty card to Apple Pay or Google Pay.
💶 Day 2: Top up your EUR or deposit crypto.
💳 Day 3: Link a card to EURC for daily spending.
🎬 Day 4: Add your Netflix or Spotify subnoscriptions.
🔗 Day 5: Try sending your first on-chain transfer.
📈 Day 6: Explore Brighty’s earning vaults and start collecting yield.
🧭 Day 7: Explore more — test crypto swaps, check your spending insights
Seven steps and your smart-finance setup is live.
Your week of freedom starts here 👉 https://app.adjust.com/qr3gjca
Starting fresh with Brighty? Here’s your easy 7-day setup plan — no manual needed:
📅 Day 1: Verify and add your Brighty card to Apple Pay or Google Pay.
💶 Day 2: Top up your EUR or deposit crypto.
💳 Day 3: Link a card to EURC for daily spending.
🎬 Day 4: Add your Netflix or Spotify subnoscriptions.
🔗 Day 5: Try sending your first on-chain transfer.
📈 Day 6: Explore Brighty’s earning vaults and start collecting yield.
🧭 Day 7: Explore more — test crypto swaps, check your spending insights
Seven steps and your smart-finance setup is live.
Your week of freedom starts here 👉 https://app.adjust.com/qr3gjca
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Black Friday Is Coming… Is Your Card’s Ready?
Europeans are expected to spend €100 billion+ online this Black Friday season 🛍️ From gadgets to travel deals, one thing’s for sure – the fastest shoppers win.
Here’s how to make the most of it with Brighty:
💳 Link your Brighty card to EUR or EURC for smooth global checkout.
🌍 Pay on international sites instantly — no blocked transactions.
📲 Add your card to Apple Pay or Google Pay for one-tap mobile shopping.
No “payment failed,” no waiting. Just tap, buy, and save.
Ready for deal season? Let Brighty back your Black Friday spree⚡ https://app.adjust.com/qr3gjca
Europeans are expected to spend €100 billion+ online this Black Friday season 🛍️ From gadgets to travel deals, one thing’s for sure – the fastest shoppers win.
Here’s how to make the most of it with Brighty:
💳 Link your Brighty card to EUR or EURC for smooth global checkout.
🌍 Pay on international sites instantly — no blocked transactions.
📲 Add your card to Apple Pay or Google Pay for one-tap mobile shopping.
No “payment failed,” no waiting. Just tap, buy, and save.
Ready for deal season? Let Brighty back your Black Friday spree⚡ https://app.adjust.com/qr3gjca
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Sharing rent? Splitting dinner? Covering weekend trips?
Brighty makes it instant!
💠 Send funds to friends right in-app or on-chain.
⚡ Transfers confirm in seconds.
📲 Both sides get instant notifications.
🧾 Full history in one clean timeline.
According to the European Payments Council, 72% of users under 35 now prefer digital apps over bank transfers for P2P payments.
Brighty gives you that simplicity — but with crypto + fiat flexibility built-in. 🤝
Brighty makes it instant!
💠 Send funds to friends right in-app or on-chain.
⚡ Transfers confirm in seconds.
📲 Both sides get instant notifications.
🧾 Full history in one clean timeline.
According to the European Payments Council, 72% of users under 35 now prefer digital apps over bank transfers for P2P payments.
Brighty gives you that simplicity — but with crypto + fiat flexibility built-in. 🤝
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Fintech Isn’t Just for Gen Z
For a long time, fintech felt like a young person’s game: slick apps, emojis, and crypto slang. But that’s changing fast. In 2025, Europeans aged 65+ increased their fintech usage by 22 % year-over-year. Why? Convenience and trust. Older users want faster transfers, clear control over balances, and no hidden fees – exactly what mobile-first finance delivers.
Brighty bridges that gap beautifully:
📲 All-in-one app for fiat + crypto
💳 Visa and Mastercard cards usable online & offline
🔐 Simple interface and EU-regulated
So whether you’re 22 and sending crypto to a friend or 62 and paying for groceries with your Brighty card, smart finance is now universal — and finally intuitive.
For a long time, fintech felt like a young person’s game: slick apps, emojis, and crypto slang. But that’s changing fast. In 2025, Europeans aged 65+ increased their fintech usage by 22 % year-over-year. Why? Convenience and trust. Older users want faster transfers, clear control over balances, and no hidden fees – exactly what mobile-first finance delivers.
Brighty bridges that gap beautifully:
📲 All-in-one app for fiat + crypto
💳 Visa and Mastercard cards usable online & offline
🔐 Simple interface and EU-regulated
So whether you’re 22 and sending crypto to a friend or 62 and paying for groceries with your Brighty card, smart finance is now universal — and finally intuitive.
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You didn't get into crypto to stare at charts all day, you have a life to live.
💱 Brighty AI Portfolios do the heavy lifting. They're designed to spot opportunities with minimal supervision and aim for returns up to +21%.
This is Brighty AI in action: a calculated blend of fundamental strength and technical insight. The outcome? A track record that turns heads: AI-driven strategies, weekly updates, hedge-fund smarts for retail users sans hedge funds fees...
👉 Try AI Portfolios Now
This is Brighty AI in action: a calculated blend of fundamental strength and technical insight. The outcome? A track record that turns heads: AI-driven strategies, weekly updates, hedge-fund smarts for retail users sans hedge funds fees...
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Europeans drink an average of 5.7 kg of coffee per year, roughly 600 cups annually. That’s easily €1,500 a year for daily caffeine fans ☕
💡 Little daily habits add up fast and that’s where Brighty App helps:
Use one Brighty card for coffee, lunch, and daily runs. You’ll instantly see what you spend and where with no spreadsheets, no guilt, just clear control.
Whether it’s a flat white in Berlin or an espresso in Milan — your Brighty card taps anywhere Visa is accepted. 📲
💡 Little daily habits add up fast and that’s where Brighty App helps:
Use one Brighty card for coffee, lunch, and daily runs. You’ll instantly see what you spend and where with no spreadsheets, no guilt, just clear control.
Whether it’s a flat white in Berlin or an espresso in Milan — your Brighty card taps anywhere Visa is accepted. 📲
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Trust isn't built on hype. It's built on receipts.
Our $250M insurance fund? That's a receipt. Our relentless KYT, our EU IBANs and corporate cards? Those are receipts, too.
🔒 Sleep better
Our $250M insurance fund? That's a receipt. Our relentless KYT, our EU IBANs and corporate cards? Those are receipts, too.
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Professionals on the move, where do you deploy Brighty next?
Tag your location and let's map the future of finance🐷
Get Your Card
Tag your location and let's map the future of finance
Get Your Card
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While you're busy living your life, your crypto is probably just sitting in your wallet. It just sits there!
Meanwhile, in the background, DeFi protocols are humming away, generating yield.
Why let them have all the fun?
Brighty Vaults plug you directly into Aave protocol, putting your stablecoins to work, earning you up to 10% APY🧲
Voila, your money’s working the night shift so you don’t have to.
Pro move: park USDC or ETH, watch yields stack while you scroll. It's passive income, minus the passivity.
🐷 Start Earning with Brighty Vaults
Meanwhile, in the background, DeFi protocols are humming away, generating yield.
Why let them have all the fun?
Brighty Vaults plug you directly into Aave protocol, putting your stablecoins to work, earning you up to 10% APY
Voila, your money’s working the night shift so you don’t have to.
Pro move: park USDC or ETH, watch yields stack while you scroll. It's passive income, minus the passivity.
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The space between a digital asset and a real-world purchase is two taps wide.
That's the distance from your Brighty balance to a paid-for coffee:
🟠 open Brighty account
🟠 issue multicurrency cards
🟠 top up your account
🟠 connect Google Pay
Just the direct line your finances have been asking for💵
That's the distance from your Brighty balance to a paid-for coffee:
Just the direct line your finances have been asking for
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This week in markets with Brighty 📈
Each week we share five essential reads on the latest news in finance, technology and crypto. Enjoy!
◾️ The week that passed (Nov 10-14) has been marked by a rotation out of high-flying tech and communication stocks into more defensive sectors. Tech stocks down roughly 4%, weighed down by a sell-off in AI-related names.
◾️ Japan Exchange Group (JPX) is considering stricter regulations and re-audits on listed companies heavily accumulating crypto assets, following mounting retail losses.
◾️ Republicans and democrats has agreed to end the shutdown by deciding to keep spending more money, president Trump signed up the bill to reopen the US government.
◾️ OpenAI launched GPT-5.1, addressing tone issues in GPT-5 with personality presets, warmer tones, and improvements in math, coding, and benchmarks like AIME 2025.
◾️ Project Suncatcher: Google has found the way to get more energy for quantum computing by putting their Trillium-generation TPUs inside compact data centers on prototype satellites by early 2027.
We’ll be back in your inbox next week.
Each week we share five essential reads on the latest news in finance, technology and crypto. Enjoy!
◾️ The week that passed (Nov 10-14) has been marked by a rotation out of high-flying tech and communication stocks into more defensive sectors. Tech stocks down roughly 4%, weighed down by a sell-off in AI-related names.
◾️ Japan Exchange Group (JPX) is considering stricter regulations and re-audits on listed companies heavily accumulating crypto assets, following mounting retail losses.
◾️ Republicans and democrats has agreed to end the shutdown by deciding to keep spending more money, president Trump signed up the bill to reopen the US government.
◾️ OpenAI launched GPT-5.1, addressing tone issues in GPT-5 with personality presets, warmer tones, and improvements in math, coding, and benchmarks like AIME 2025.
◾️ Project Suncatcher: Google has found the way to get more energy for quantum computing by putting their Trillium-generation TPUs inside compact data centers on prototype satellites by early 2027.
We’ll be back in your inbox next week.
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'Normally, I don’t do investing or trading in any way, shape or form. I’m a simple girl, I use Brighty to receive payments in crypto, to make mass payouts to my employees.
All I think is business and when one of my clients who is into swing trading showed me his custom, premium, gourmet, high-end AI scanner (oh, hi, Daniel), I instinctively researched his competitors in my banking and payments apps. Lo and behold, my trusted payment processor Brighty already has an AI Portfolio Builder.
So, I fed this Brighty AI Portfolio builder my demo budget and risk tolerance and asked it to make me an investing portfolio that will make me rich so that I can retire in my thirties… A few minutes later, I ended up with a portfolio full of hot semis and leveraged ETFs. This is my first experience with AI in portfolio management, so my 43% returns over three months seems alright, I don’t know?'
Discover the structured approach to AI copy-trading.
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FYI: capital at rest is profit, unrealized. Here’s how to activate it with Brighty:
🚀 Earnings Vaults. They act as savings accounts, but with more upside: up to 10% on crypto. Learn how a silent, constant accrual compounds your idle balance.
🚀 The Staking Engine. Transform static crypto holdings into productive assets and get rewarded every time you participate in the network’s security routine.
🚀 Personal Algo Quant. This is our AI Scanner, able to monitor your preferred assets and execute a disciplined strategy with up to 30% APY.
Architect your growth → https://brightyapp.go.link/72EDh
Architect your growth → https://brightyapp.go.link/72EDh
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